Smart-In Mortgages Limited

Reference number: 1040269

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Cornerstone Finance Group Ltd Reference number: 767202 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Smart-In Mortgages Limited (FRN 1040269) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Smart-In Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smart-In Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Verified phone number

    07792 616912

  • Verified address

    Steelclose Mill, Lintzford, Rowlands Gill, County Durham, NE39 1BL, United Kingdom

Company details

From the company's Companies House record.

Company number
15268585
Company status
Active
Company type
Private limited company
Incorporated
8 November 2023 (2 years old)
Registered office
Office F1 Tanfield Lea Business Centre, Tanfield Lea, Stanley, Durham, DH9 9DB, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Suzanne Martin Director Mar 1982 8 Nov 2023

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Smart-In Mortgages Limited FCA authorised?
Smart-In Mortgages Limited (FRN 1040269) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Smart-In Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Smart-In Mortgages Limited (FRN 1040269) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Smart-In Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smart-In Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Smart-In Mortgages?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Smart-In Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Smart-In Mortgages a scam or clone?
Smart-In Mortgages is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Smart-In Mortgages's Firm Reference Number (FRN)?
Smart-In Mortgages's FRN is 1040269. You can verify it on the FCA register.